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It's Pi Day.
Pi Day.
Gotta get round on Pi Day.
I'm Dan on your inside team at Growella.
And, this is today's Mortgage Minute-and-a-Half.
It's Wednesday and we're halfway through the week, which means that Freddie Mac has already
closed polling on its national mortgage rate survey, which is compiled from data from 125
U.S. lenders.
The group's Primary Mortgage Market Survey is meant to show the going rates for multiple
mortgage loans including the 30-year and 15-year fixed rate loan but, like most national data
when it comes to homeownership, the numbers come up just a bit short of being helpful.
Freddie Mac publishes its weekly survey Thursdays at ten AM eastern but by then, the data it
reports is out-of-date.
This is because mortgage rates change daily and sometimes they change more often than
that.
Mortgage rates can change up to five times in a day depending on market conditions so
anything less than real-time doesn't do much good for buyers.
Where the Freddie Mac survey does shine is in providing a standardized, historical record
for mortgages and rates and a look back at recent 30-year rates shows a three-quarter
percentage point bump over the last six months.
But for buyers buying homes today, only real-time rates will do.
Talk to your lender and get an up-to-date quote today.
Mortgage rates are making like the Jeffersons today.
Across the board, everything's moving up.
Whether you're locking a conforming or FHA loan, a USDA or VA loan, or some type of portfolio
loan from your lender, like a jumbo, expect a higher mortgage rate today as compared to
what you were quoted yesterday.
How much higher?
That depends.
Mortgage rates are based on your loan size, where you live, your property type, and your
credit score.
The size of your down payment matters, too, but maybe not in the way you expect.
Making a larger down payment doesn't guarantee you'll get access to lower rates.
It depends on how your loan is structured and for that, you're going to want to talk
with a lender directly.
Mortgage rates are like all them chickens.
They're down.
Whether you're locking a conforming or FHA loan, a USDA or VA loan, or some type of portfolio
loan from your lender, like a jumbo, expect a lower mortgage rate today as compared to
what you were quoted yesterday.
How much higher?
That depends.
Mortgage rates are based on your loan size, where you live, your property type, and your
credit score.
The size of your down payment matters, too, but maybe not in the way you expect.
Making a larger down payment doesn't guarantee you'll get access to lower rates.
It depends on how your loan is structured and for that, you're going to want to talk
with a lender directly.
The roof, the roof, the roof is on fire.
And thankfully, that roof is insured.
It has to be.
Because mortgage lenders require all homeowners to have homeowners insurance.
Homeowners insurance is a contract that pays cash to you when your home gets damaged so
you can pay for repairs.
And that's the key part of why lenders requires your policy.
Damage to your home reduces its value and your home's value is the basis of your mortgage
loan approval.
It's your collateral in the loan it sets your rate and it set your terms.
You have insurance so your home can be rebuilt in case of a disaster but something to keep
in mind.
Homeowners insurance is limited to specific perils.
It covers damage from smoke and fire, and from hail and most windstorms.
It specifically doesn't cover earthquakes.
And, it doesn't cover floods.
Damage from disaster types like those is paid out-of-pocket and you probably won't want
to be on the hook for it.
One inch of flood water can cross twenty-thousand dollars to fix and replace.
And an earthquake can shake your house to its roots.
So consider additional insurance to protect your home and your bottom line.
Insurance policies cost dollars, yes, but they're way cheaper than paying to replace
your stuff.
Growella does mortgage news three point one four one five nine two six five three five
nine times weekly and goes live each Thursday at Noon Eastern, 11 Central.
Just for you.
So, put a like on it, leave a comment, and in case I don't see ya, good afternoon, good
evening, and good night.
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